Moneywise reviews regular, children's savings, fixed rate and easy access accounts with the best savings rates currently on the market. These accounts are our Best Buys.

Remember, these rates are before tax, but most people can earn £1,000 interest from savings tax-free (depending on your income tax rate). In any case, if you haven't used your Cash Isa allowance this tax year, getting an Isa should be your first port of call. See our round-up of the best Cash Isa rates.

Best easy access savings accounts

If you're looking for an account where you can access your money quickly, then a no-notice deal is a good idea. Just remember, the interest rate on these accounts is variable so it could decrease down the line.

Also, watch out for sneaky terms and conditions - not all easy access accounts offer unlimited withdrawals, so shop carefully.

RCI Bank Freedom Savings Account 1.3%RCI Bank pays 1.3% on balances of £100 or more. Must be opened online. Be aware that your deposits here are protected by the French deposit scheme, rather than the UK's FSCS.

Top notice accounts

If you are happy to wait a little while before accessing your savings, rates on notice accounts tend to be higher than easy access savings. Some won't allow early access at all, though others may let you withdraw without notice, subject to losing some interest. However, there are very few notice accounts on the market today that will beat our easy access best buys.

HSBC Regular Saver5%For deposits between £25 and £250 per month. The rate is fixed for 12 months and available to current account customers. Can be opened in branch or by phone.

M&S Bank Monthly Saver5%Rate available on deposits between £25 and £250 to its current account holders. The interest is paid annually, and the rate is fixed for 12 months. Can be opened online, by post, over the phone or in branch.

Santander Regular eSaver5%This is for deposits of up to £200 per month. The rate is fixed for 12 months and is only available to Santander 123 World customers. It must be opened in branch or online.

Top savings accounts for children

Putting cash aside for your kids is always a good idea, and the interest rates tend to be much higher than offered in adult accounts. Here are our top picks for children's savers.

Halifax Kids' Regular Saver4.5%This is the top 12-month bond. You can deposit between £10 and £100 in the account each month. Must be opened in branch.

Saffron Building Society Children's Regular Saver4%Available in branch or by post. It can be held for a year, by anyone up to 15. You can save £100 a month. When the account matures, savings are transferred to an account paying 0.5%, so remember to make a note to switch.

How are Moneywise Best Buys selected?

We look across as much of the of the savings market as possible to find the best deals using industry data from Defaqto.

All our picks are nationally available - online, by post or by phone. We try and pick products that are available to both new and existing customers, but we’ll highlight some offers for existing customers if they’re much better than what else is on offer.

Unless rates are significantly higher than on other accounts, we avoid products that pay an initial bonus (which is normally a euphemism for a rate cut after 12 months), or those with tiered rates (these may not pay the advertised interest rate if your balance rises above or falls below a set amount).

Deals only available to particular age groups or for “additional subscriptions” are also not included.

All these savings accounts are covered by the FSCS unless otherwise specified. We will prioritise products from UK-based providers. If your bank is licenced by another European country, savings up to €100,000 will be protected, but by the government where the bank is headquartered, rather than the UK authorities.

Correction: The Santander

This is confusing. In your

Mrs Janet Noble - Tuesday, 13 June 2017

This is confusing. In your 'Moneywise Best Buys' then 'Regular Savers' then 'Compare More Products', this giving a breakdown of each of the banks/building societies etc. you are stating against some of these a X against current accounts, this leading to believe no current account is necessary, this is not correct. Could you please confirm this?

In our Best Buy tables the X

In our Best Buy tables the X represents a negative point, while the tick represents a positive point. Thank you for letting us know that you find this confusing. We will look at it again to see if we can make it easier to understand.

I attempted to register with

Super, well done on updating

chrisrich - Thursday, 02 November 2017

Super, well done on updating this list in such a timely fashion as usual, as soon as I heard the BOE increased the base rate I came straight here to see if RCI could be beaten and I am delighted to see you've dug out the NatWest option, with an ATM card available for the account it is heads and shoulders above its branchless competitors. Since your update was done yesterday I hope you will be able to update it again tomorrow rather than next week in order to give us the best post-rate "hike" list and ensure we are not missing out on subscribing to accounts which may reserve the right to stop issuing based on the number of applications received. Regarding your 'Open to All Regular Savers' list I was actually in branch yesterday renewing my 'Open to All RS' which has a current rate of 3% AER, it is of course Kent Reliance's Regular Saver which is open to all and has a better interest rate than both of the accounts you've mentioned, I understand from your article that it doesn't meet your selection criteria because it can only be opened in branch but I may as well mention it in that case since I have no selection criteria and maybe even one person might find it useful if they are reading the comments thread. I drive down to Kent each year to setup and manage the account, I think it's worth the extra 0.7% and I expect the rate to return to its pre-May 2017 level of 3.25% AER in light of today's announcement, very soon. I am unsure if URL's are permitted so I will refrain from posting but details of the Regular Saver are available on the Kent Reliance website.

Brought back down to earth

chrisrich - Thursday, 02 November 2017

Brought back down to earth having looked into things. I think I posted my previous comment a bit prematurely, the NatWest 1.5% account is subject to too many criterion to be considered better than the RCI bank 1.3% account at this time. I'm surprised you've included NatWest since it is a savings builder account that requires a deposit of at least £100 per month otherwise the rate plummets to 0.10% and the higher your balance the less interest you receive irrespective of whether or not you make the £100 per month deposit. So RCI is still leading the way in terms of a no nonsense easy access saver for now especially if like me readers are just wanting an account they can open and dump some cash into and leave it until they may need it at short notice.

RUMOUR MILL: I'm here

chrisrich - Wednesday, 29 November 2017

RUMOUR MILL: I'm here checking the Easy Access Saver list again (as per usual), still pretty measly at 1.3% but I've had word that Tesco will be increasing rates from Friday on its Internet Saver Account (an Easy Access account currently offering 1.2%) to 1.35%. Can be opened today with just £1 and you'll be hiked up to the new rate on Friday (Dec 1st) so by the time this is posted that makes just 1 day at the lower rate if you open immediately. Head on over, the sooner the better as it may go fast. Nothing's beating 1.35% at the moment and I don't think Mr Williams updates this list outside his weekly schedule so next week when he does this may well be gone. The downside is it includes a 0.8% bonus for 12 months so you should be looking to review it at that time to see what your options are.

re your email of today 12/12/

keith crook - Tuesday, 12 December 2017

re your email of today 12/12/ 2017 Best savings rates this week. Under the easy access rates you list BM Savings a top rate of 1.45%, i have looked and can find nothing like this rate can you advice is this an upcoming rate and when is it to start. The last one they had at 1.35% i think didn't last many days before being withdrawn. Thank you.

Hi Keith, this article is

Hi Keith, this article is updated weekly so sometimes products do disappear between our updates. At the top of the article we have a "last updated" date, all the details in the article are correct as of that date.